Estados Financieros Comparados Actualizado al 10 de marzo de 2025
ESTADOS FINANCIEROS COMPARADOS / COMPARATIVE FINANCIAL STATEMENT Bancos Y Financieras/BANKS
CIFRAS EXPRESADAS EN MILES DE SOLES
Empresa/Cuenta Banco GNB Perú Banco Pichincha Banco Ripley Perú Banco Santander Perú Banco de Comercio
CIIU 6519 6519 6519 6519 6519
ESTADO DE SITUACION FINANCIERA / STATEMENT OF FINANCIAL POSITION 31/12/2024 31/12/2023 31/12/2024 31/12/2023 31/12/2024 31/12/2023 31/12/2024 31/12/2023 31/12/2024 31/12/2023
DISPONIBLE / FUNDS AVAILABLE 622,733 627,065 1,681,025 1,231,178 188,670 272,540 1,566,011 2,893,661 313,491 407,036
FONDOS INTERBANCARIOS / INTER-BANK FUNDS 15,004 82,131 0 0 37,072 0 532,147 124 0 0
INVERSIONES A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS / FINANCIAL INVESTMENTS AT REASONABLE VALUE WITH EARNINGS CHANGES 0 0 0 0 0 0 96,269 422,038 44,111 947
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE 939,151 876,411 449,921 485,599 156,802 143,428 896,036 736,667 0 0
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS 268,516 267,816 647,562 517,003 0 0 0 0 0 0
CARTERA DE CREDITOS / LOANS PORTFOLIO 3,760,652 3,381,786 7,679,361 8,068,259 1,281,756 1,503,759 5,439,470 6,308,163 1,651,990 1,774,446
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes 409 3,487 0 0 0 0 297,129 217,183 0 0
DERIVADOS DE COBERTURA / Financial Derivatives for hedging purposes 0 0 0 0 0 0 0 0 0 0
CUENTAS POR COBRAR / ACCOUNTS RECEIVABLE 4,626 6,572 44,454 131,082 23,242 22,780 146,616 26,204 2,789 2,770
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE 121 489 2,934 23,344 0 0 6,788 4,811 6,184 8,885
PARTICIPACIONES / PROFIT SHARING 0 0 13 74 0 0 0 0 23,158 22,988
Subsidiarias / Subsidiaries 0 0 0 0 0 0 0 0 14,887 14,555
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures 0 0 13 74 0 0 0 0 8,271 8,433
Otras / Other 0 0 0 0 0 0 0 0 0 0
INMUEBLES, MOBILIARIO Y EQUIPO (NETO) / INMOVABLE PROPERTY, MOVABLE PROPERTY AND EQUIPMENT (NET) 8,623 3,395 74,683 81,600 6,826 7,698 11,627 11,736 27,916 28,659
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL 4,461 5,553 41,584 37,284 55,944 48,833 22,131 17,754 11,668 10,200
PLUSVALIA / GOODWILL 0 0 0 0 0 0 0 0 0 0
IMPUESTOS CORRIENTES / CURRENT TAX 30,861 29,610 104,070 117,784 12,638 13,856 133,420 60,411 13,208 17,829
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX 54,971 54,829 116,375 107,089 65,705 85,195 38,778 34,597 17,074 16,943
ACTIVOS NO CORRIENTES MANTENIDOS PARA LA VENTA / NON-CURRENT ASSETS HELD FOR SALE 0 0 0 0 0 0 0 0 0 0
OTROS ACTIVOS / OTHER ASSETS (NET) 8,107 11,006 39,386 58,897 16,541 14,169 979,295 355,130 8,619 8,738
TOTAL DEL ACTIVO / TOTAL ASSETS 5,718,235 5,350,150 10,881,368 10,859,193 1,845,196 2,112,258 10,165,717 11,088,479 2,120,208 2,299,441
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC 4,170,191 4,023,368 8,028,398 7,824,853 1,367,671 1,453,428 6,558,030 7,151,898 1,502,023 1,549,992
FONDOS INTERBANCARIOS / INTER-BANK FUNDS 0 0 0 0 25,652 0 0 97,447 0 0
DEPÓSITOS DE EMPRESAS DEL SISTEMA FINANCIERO Y ORGANISMOS FINANCIEROS INTERNACIONALES / DEPOSITS FROM FINANC. SYSTEM INST. AND INT. FINANC. ORG. 142,466 184,251 11,679 71,526 4,215 0 44,504 134,351 5,563 6,549
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS 540,927 296,765 1,467,864 1,510,770 0 163,536 966,417 1,520,544 177,416 302,860
DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES 2,735 712 0 0 0 0 306,955 257,608 0 0
DERIVADOS DE COBERTURA / FINANCIAL DERIVATIVES FOR HEDGING PURPOSES 0 0 0 0 0 0 0 0 0 0
CUENTAS POR PAGAR / ACCOUNTS PAYABLE 25,554 46,505 78,791 209,310 51,319 81,774 324,201 291,789 11,734 22,000
PROVISIONES / PROVISIONS 17,921 26,398 69,867 49,817 2,598 6,249 25,891 30,829 7,251 7,662
IMPUESTOS CORRIENTES / CURRENT TAX 0 0 0 0 0 0 0 0 0 0
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX 0 0 243 324 2,274 5,625 0 0 0 0
OTROS PASIVOS / OTHER LIABILITIES 14,318 15,162 86,321 61,802 11,669 14,399 528,937 329,263 8,542 8,806
TOTAL DEL PASIVO / TOTAL LIABILITIES 4,914,112 4,593,161 9,743,163 9,728,402 1,465,398 1,725,011 8,754,935 9,813,729 1,712,529 1,897,869
Capital social / Capital stock 646,022 628,850 1,296,707 1,213,218 413,057 413,057 715,964 715,964 365,644 362,693
Capital adicional / Additional capital 0 0 0 0 0 0 0 0 0 0
Acciones Propias en Cartera / Treasury shares 0 0 0 0 0 0 0 0 0 0
Reservas / Reserves 111,406 109,397 11,255 11,078 0 57,310 442,607 331,971 34,992 34,664
Resultados Acumulados / Retained earnings 0 0 -111,503 -97,008 -25,939 0 0 0 0 -871
Resultado Neto del Ejercicio / Net profits for fiscal year 45,201 20,084 -58,613 631 -7,362 -83,249 237,723 221,271 7,047 4,150
Ajustes al Patrimonio / Adjustments to equity 1,494 -1,342 359 2,872 42 129 14,488 5,544 -4 936
TOTAL DEL PATRIMONIO / TOTAL EQUITY 804,123 756,989 1,138,205 1,130,791 379,798 387,247 1,410,782 1,274,750 407,679 401,572
TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY 5,718,235 5,350,150 10,881,368 10,859,193 1,845,196 2,112,258 10,165,717 11,088,479 2,120,208 2,299,441
ESTADO DE RESULTADOS / INCOME STATEMENT 31/12/2024 31/12/2023 31/12/2024 31/12/2023 31/12/2024 31/12/2023 31/12/2024 31/12/2023 31/12/2024 31/12/2023
TOTAL INGRESOS POR INTERESES / TOTAL INTEREST INCOME 422,440 409,338 1,029,030 1,149,214 448,890 511,528 715,725 750,737 243,784 251,196
TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES -270,849 -259,488 -467,093 -524,346 -89,279 -123,818 -363,371 -401,085 -86,373 -101,394
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN 151,591 149,850 561,937 624,868 359,611 387,710 352,354 349,652 157,411 149,802
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans 9,272 -56,967 -575,924 -489,861 -244,260 -333,024 -83,201 -63,585 -57,018 -62,213
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN 160,863 92,883 -13,987 135,007 115,351 54,686 269,153 286,067 100,393 87,589
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME 18,522 18,131 167,806 215,514 117,473 123,494 137,717 97,498 17,105 16,463
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES -13,050 -12,791 -72,977 -66,900 -11,185 -10,208 -23,844 -19,655 -19,336 -19,557
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES 166,335 98,223 80,842 283,621 221,639 167,972 383,026 363,910 98,162 84,495
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS 7,781 12,545 58,862 55,392 4,290 5,066 123,609 123,490 5,175 4,941
MARGEN OPERACIONAL / OPERATING MARGIN 174,116 110,768 139,704 339,013 225,929 173,038 506,635 487,400 103,337 89,436
Gastos de Personal y Directorio / Personnel and directors' expenses -59,975 -60,620 -159,511 -172,519 -95,231 -122,116 -104,212 -98,640 -49,930 -51,088
Gastos por Servicios Recibidos de Terceros / Third party service expenses -46,569 -43,794 -132,922 -150,697 -132,058 -149,642 -76,979 -74,637 -31,100 -29,466
Impuestos y Contribuciones / Taxes and levies -2,180 -2,131 -7,390 -8,792 -1,367 -1,229 -4,787 -4,539 -2,118 -1,885
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION -3,666 -4,594 -19,068 -15,988 -20,312 -28,385 -13,237 -11,393 -5,243 -5,007
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN 61,726 -371 -179,187 -8,983 -23,039 -128,334 307,420 298,191 14,946 1,990
Provisiones para créditos indirectos / Provisions for indirect loans 7,153 12,417 -16,717 7,135 0 0 5,069 -2,203 348 -443
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable -1,125 453 -12,674 -2,472 -2,586 -3,391 -747 -443 -650 -680
Provisión para bienes realizable, recibidos en pago, recuperados y adjudicados y otros / Provisions for realizable assets received in payment, recovered and adjudicated, and others -2,632 -1,956 2,081 -891 0 0 -4,093 -1,082 -2,836 -329
Provisión para activos no corrientes mantenidos para la venta / Provisions for non-current assets held for sale 0 0 0 0 0 0 0 0 0 0
Deterioro de inversiones / Impairment of investments 0 0 0 0 0 0 0 0 0 0
Deterioro de inmuebles, mobiliario y equipo / Impairment of immovable property, furniture and equipment 0 0 0 0 0 -74 0 0 0 0
Deterioro de activos intangibles / Impairment of intangible assets 0 0 0 0 -681 -612 0 0 0 0
Provisiones para litigios y demandas / Provisions for litigation and complaints -373 -393 -2,827 -996 -2,154 -2,147 0 0 -789 -34
Otras provisiones / Others Provisions -7 -57 -174 -36 0 0 0 0 -2,475 -3,847
RESULTADO DE OPERACIÓN / OPERATING PROFITS 64,742 10,093 -209,498 -6,243 -28,460 -134,558 307,649 294,463 8,544 -3,343
Otros ingresos y egresos / Other income and expenses -19,682 2,221 126,474 3,783 37,236 24,278 2,801 2,677 544 10,274
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX 45,060 12,314 -83,024 -2,460 8,776 -110,280 310,450 297,140 9,088 6,931
IMPUESTO A LA RENTA / INCOME TAX 141 7,770 24,411 3,091 -16,138 27,031 -72,727 -75,869 -2,041 -2,781
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS) 45,201 20,084 -58,613 631 -7,362 -83,249 237,723 221,271 7,047 4,150
INDICADORES FINANCIEROS / FINANCIAL RATIOS 31/12/2024 31/12/2024 31/12/2024 31/12/2024 31/12/2024
Liquidez / Liquid Ratio 2.18 2.62 8.23 0.39 1.22
Disponible % 10.89 15.45 10.22 15.40 14.79
Solvencia / Solvency 6.49 7.45 3.55 7.56 4.27
Eficiencia y Gestión % 61.36 39.73 50.99 38.76 45.60
Intermediación Financiera % 100.28 77.76 74.37 83.59 93.25
Rentabilidad sobre Activos % / Return on Assets % 0.79 -.- -.- 2.34 0.33
Rentabilidad de Patrimonio % / Return on Equity % 5.62 -.- -.- 16.85 1.73
* Estados Financieros expresados en miles de US$